Chapter 4 Rapid Compression
Bai Yu said: "Report to the two leaders, Chairman Qian showed sincerity to resolve the explosion caused by Tian Guimin's abscond, and was optimistic about the Shanglin investment environment and the prospects of Yulu Commercial Center. I am still calculating the specific plan. I expect there should be results before the holiday, but-"
He changed his subject, "I'm worried that the financial service company can't stand the Spring Festival. Even if it can barely hold on, as the saying goes, you can't hide from the first day of the lunar month and the fifteenth day..."
Ma Baiju couldn't hear such words the most, and he became angry again: "As far as I know, the deposit and loan business of financial services companies is normal, the cash flow is sufficient, and there is no exaggerated run of the bank! You send a credit cooperative to smash other people's places and ruin the reputation of the bank!"
"The cash flow is sufficient. Who can I report to Ma***? It's better to take him over and confront him!" Bai Yu pulled out a table from his notebook, "This is the cash payment volume of major banks in a day yesterday, with the credit cooperatives reaching up to 94 million, and the financial service companies at least 7.1 million."
"What's so strange about this? The Credit Union has outlets in all townships in the county, and the financial service company only has one business department." Ma Baiju said without hesitation.
Bai Yu said: "Not only that, financial services companies have refused to pay savings deposits of more than 200,000 and corporate deposits of more than 500,000 for three consecutive days on the grounds of insufficient cash. Fortunately, the cash flow of the Credit Union and various state-owned commercial banks is really sufficient, which has not aroused the public's doubts for the time being. However, the next three days will be the peak of cash outflow. If the financial services companies do this, they will cause panic. At that time, the people will rush to the bank to pay cash for the New Year, and they can't afford it for 300 million to 500 million a day. There have been precedents in the past, ***!"
Ma Baiju was stunned by his words.
Miao Wenjun said, "So you are in a hurry to ask Lao Gu to send someone to the financial service company, so that the Credit Union can temporarily transfusion blood for it tomorrow, right?"
"Since the custody is custody, the credit cooperative must ensure the liquidity of the financial service company. Of course, I may be a little anxious. The methods and methods are not considered, and I have no time to report to Ma***." Bai Yu followed Miao Wenjun's words and took the opportunity to go downhill.
"The attitude is not right, how can you talk to Ma*** like this?"
Miao Wenjun said in a reproachful tone that Ma Baiju took away the watch from Bai Yu's hand with a "swish" and hummed angrily:
"I doubt your words, and I will talk about it when I understand the situation in detail!"
After saying that, he left with great strides.
When Ma Baiju's footsteps disappeared, Miao Wenjun looked at Bai Yu thoughtfully and said:
"Since you were transferred to the official office, I have followed you all day to clean up the mess and help you plead with love everywhere, so I have an illusion that you are the *** and I am the director of the finance department, and I am the baton...."
Bai Yu was frightened and sat down quickly and said, "Miao***, the situation is so critical that it is urgent. Now I have discussed it with them, and the words "I will talk about it after the procedures are completed" will block me! Report to Ma***, can he feel good? One on the left coordinates and the other on the right discusses. The banks in Shanglin streets have long been crowded! If I still served as the deputy township chief in Huai, it would not matter to me if the sky in the county fell; but if I sat at the position of the director of the Financial Administration, I will be responsible for Shanglin's financial order and you!"
"We are responsible to the Shanglin Party Committee. We are collectively leading, so don't highlight our personal status!" Miao Wenjun said with a stern face, "Now I tell you that there are only five days left before the Spring Festival, and the financial service company has forced to take over; the amount of financial bonds is calculated before the festival, so I can't hurry. I don't know how you deal with Qianguan. It's best to get some funds within three days to let Ji Shuji have a stable New Year with me."
"I'll go to the financial service company tomorrow morning to check it out. If it is normally included in the credit cooperative management model, call Qian Guanxian to express his sincerity in cooperation!"
Bai Yu agreed readily.
Miao Wenjun looked at him curiously, as if he wanted to ask, but the Qi-raising Kung Fu that he had cultivated for many years of official career took effect, but he still didn't ask, and waved his hand and said:
"Peace, don't cause trouble for me."
That night, Ma Baiju didn't call. It seemed that he learned that there was indeed a problem with the liquidity of the financial service company. Bai Yu's method of asking the Credit Union to forcefully take over was rough and simple, but it was imperative.
As soon as they arrived at the office the next morning, Bai Yu asked Lu Zhenzhen and Zhang Wan to each lead a group to various bank outlets to check the cash flow and report it in time when they found abnormalities.
"The old rules Liu Ke followed me," Bai Yu thought for a while and said, "The two departments of supervision and banking should not just sit in the office and surf the Internet. They all go to the townships and submit a survey report to me before the festival."
As soon as these words came out, the office was so beautiful that they looked at each other and were at a loss.
He was about to go out with his bag, Jie Shengyuan called him and closed the door and whispered that every Spring Festival, banks, insurance and other financial institutions would "mean" and give shopping cards of varying quantity. According to the convention, they were divided into four levels, with the two directors at the highest level; the four section chiefs and the deputy section chiefs each; the clerk was really "small".
"I don't want it, you can take the lead and divide it up." Bai Yu said casually.
Jie Shengyuan smiled profoundly and said, "I have been in the Financial Bureau for more than ten years. You are the fourth director. Every director has the first time he heard that this matter is the same as you. But Bai Bureau, I can't ask if you don't want it. Then the section chief and the deputy section chief dare not ask it. What should I do? The Financial Bureau in the government compound is a Qingshui department with no foundation and no real power. Financial institutions are polite this time throughout the year, just be a benefit for employees. What do you think?"
Bai Yu pondered for a moment and said, "If you have something to do with the financial services company in the morning, put the card there first, and I will talk about it when I come back."
On the way, Bai Yu asked Liu Ke what he thought about the phenomenon of the young lady and young grandmas in the Financial Bureau.
Liu Ke sighed that the reality is objective and correct. Any unit and department that is a little more leisurely will try every means to squeeze in, not to mention that more than half of the Financial Bureau passed the civil service examination. The key is that the Financial Bureau is in a relatively inadequate situation in actual management and cannot grasp the work. The most serious fund allocation for banks is in the People's Bank of China, and the dominance of personnel appointments and removals is in the Provincial Cooperatives and the Provincial Banking and Insurance Regulatory Commission. The Financial Bureau only has the right to assess the right. To be honest, it will have a bit of a deterrent effect on the Credit Cooperatives. State-owned commercial banks are all vertical management systems, and they don't miss you at all.
Bai Yu said that the People's Bank of China, the Banking and Insurance Regulatory Commission only supervises business operations and policy implementation, the local financial order is stable, and the standardized management of financial markets still depends on the financial bureau. We must bear the burden... By the way, which school did you graduate?
Liu Ke said the Department of Economics and Management of Huanan University of Finance and Economics.
Is the theoretical foundation okay?
Liu Ke didn't understand what this sentence meant, so hesitated for a moment and said about financial related rules and regulations, and he must have understood the policy documents.
That's fine. Bai Yuhe's first path.
While speaking, I came to the financial service company's business department. There were obviously more customers inside and outside the door than tomorrow. I found out that the cash amount was relaxed from today. I just need to make an appointment half a day in advance for large amounts of cash withdrawals.
The leaders of the credit cooperative led by Director Gu are all guarding the cash zone. The counter business has been replaced with the credit cooperative operating system. Those sitting in front of the computer are temporarily transferred credit cooperative employees, while employees of the financial service company stand by and study.
"Is the situation okay?" Bai Yu asked.
"Director Bai, I want to report two situations separately..."
Director Gu said softly, Bai Yu knew to walk to the computer room in the cash zone with him, and saw that there was no one around. Director Gu said, "Bai, the Provincial Banking and Insurance Regulatory Bureau called me just after 8:30 in the morning, emphasizing that unilateral action is not allowed before the custody procedures are approved, otherwise the regulatory department has the right to investigate and punish and fine it; another situation is that Minister Xia and Ma*** called me, emphasizing that the staff of the financial service company should be kept relatively stable, and that they should not be diverted or transferred without the consent of the county leaders. He also required the company leaders and the sales department director to stick to their posts...Bai, what do you think you should do?"
Bai Yu pondered for a long time, and then said lightly: "In the afternoon, I will send you a letter in the name of the Financial Administration - of course, there will be a signing by the main county leader. In the future, no matter whether the provincial banking and insurance regulatory authorities are asking for trouble for you, the letter from the official department shall prevail."
The first problem was solved, Director Gu breathed a sigh of relief. After all, the bank, especially the local banks, are most afraid of the provincial banking and insurance regulatory authorities. Then he asked: "What about the second situation? The original team of the financial company is not moving, and the internal accounts cannot be touched, let alone the fee accounts. Custody is a form, but today the coalition agency has transferred 70 million yuan in cash, and we provide real money and silver to provide assistance!"
"That's a problem?"
Bai Yu smiled and looked at the watch and said, "Notify all management personnel of the financial company. The two directors of the sales department will go to the conference room for a centralized meeting in five minutes. I want to speak."
Financial Services Company Conference Room.
There were more than a dozen people sitting in the first three rows, all of whom were listless and were listless. No wonder no one expected that the fire in the city gate would cause trouble. Although the trust and investment company was deceived, it pushed the financial service company to a state of irreversibility.
Only Chen Dian, who was in the first row, was full of confidence, was holding Erlang's feet and holding a cigarette in his mouth, and was playing with his cell phone casually.
Yesterday evening, after the Credit Union occupied the business department with the advantage of many people, Chen Dian immediately called the backstage boss Xia Chunsheng and Ma Baiju to cry, which was why Ma Baiju had a call this morning to "maintain relative stability of personnel" and "stay at posts".
Xia Chunsheng's words are even more inspiring, telling him not to panic and stabilize the overall situation. It is better if the trust and investment companies have already been cut off. If you invest in a more powerful credit cooperative, you will still control the financial service company as the deputy director of the cooperative.
With the support of two major members of the Standing Committee, who are you afraid of?
A few minutes later, Bai Yu walked into the venue accompanied by Director Gu and other leaders of the Credit Union. He sat in the middle of the rostrum and said:
"The meeting is now! First of all, on behalf of Shanglin County Financial Administration, I announced that in view of the verification of the 1 billion bank acceptance bills, the financial services company seriously violated the operating procedures during the acceptance process, and the enforcement system was not strict, and supervision and management were superficial. It is decided that all other businesses will be suspended except for retaining the business department's deposits and withdrawals and small exchange settlement!"
There were squealing screams in the venue.
Chapter completed!